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How Does Claiming Early Social Security Affect My Spousal Benefits? Skip to content

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How much of my husband's Social Security retirement benefit will I receive if I retire at 62 and he retired at full retirement age?

En español | If you are taking a spousal benefit at 62, your benefit would be based on your spouse's full retirement benefit but with reductions because you are claiming early. 

If your own full retirement age is 66, at age 62 you would receive about 35 percent of your spouse's full retirement age benefit. Widows and widowers are subject to different reductions for taking survivor benefits before full retirement age. 

Published October 10, 2018

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